区块链技术在征信业的应用探析

Discussion on the Application of Block Chain Technology in Credit Reporting Industry

区块链技术率先在数字货币和金融业的相关领域开展应用,而征信是金融业健康发展的基础,区块链作为一种底层技术和发展愿景,在征信领域的应用场景也逐步得到拓展。综合区块链的技术特点,将其应用于征信领域能够符合经济发展对社会信用体系建设的部分需求,应具有一定的应用优势。从目前看,区块链技术在征信行业开展应用还存在一些技术、法规、监管等方面的问题,技术方面随着科技的进步可以不断加以完善,与相关信用法规的契合方面则需要认真研究,使其在发展初期就能够处于有效监管之下,在推进社会信用体系建设方面发挥积极作用。

Block chain technology has been initially applied in the related fields of digital currency and financial industry, while credit reporting is the foundation for the healthy development of financial industry. As a bottom technology and development vision, block chain is gradually expanding in the field of credit information services. Based on the technical characteristics, the application of block chain to credit information services can meet the partial demand of economic development for the social credit system construction, and have congenital application advantages. However, there are still some problems for the application of block chain technology in the credit reporting industry such as technical support, laws and regulations, and supervision, etc. Technical support will continue to be improved with the progress of science and technology; and the issues related to credit laws and regulations should be carefully studied, so that it will be in effective supervision in the early stage of its development and play a positive role in promoting the construction of social credit system.